Helen K Stallard

Best Cd Rates 2025 Predictions 2025. But where are they headed from here? The best cd rate right now is 5.25% apy available from four different banks or credit unions with terms ranging from four months to seven months.

According to cdvalet’s report, there were some banks offering apys as high as 9% in the second quarter of 2025. The best cd rates have skyrocketed to historic highs this year.